“Monarch Financial Services Ltd, mortgage adviser in East Ayrshire, regulator or register declared on the firm's website, checkable with the FCA Register — 71/100.” Listing recorded on 19 Oct 2026.
In short: In 2026, Payotte selects the firm Monarch Financial Services Ltd as mortgage adviser in East Ayrshire, with 71/100 (selected · regulator declared). Regulator or register declared on the firm's website, checkable with the FCA Register.
Independent selection, with no commission or advertising — company aged 10 years at Companies House, Google rating of 5/5 from 177 reviews (recorded on 19 Oct 2026). Payotte score: 71/100. The ranking is never paid for.
Recorded on 19 October 2026
| Criterion | Progress | Points |
|---|---|---|
| Google reviews (rating and volume) | 32 / 35 | |
| Age of the company | 19 / 30 | |
| Checkable regulator or register | 12 / 15 | |
| Local anchoring | 8 / 15 | |
| Bonus | 0 / 5 | |
| Total | 71 / 100 |
Monarch Financial Services Ltd
Legal form: Private limited company (Ltd)
Company number: SC545540 (Companies House)
Establishment: Bank Chambers, 42 Bank St, Kilmarnock KA1 1HA Directions ↗
Incorporated: 15 September 2016 (10 years, Companies House)
Firm's phone: 0330 122 0997
Firm's email: info@monfs.com
Website: monfs.com
Financial Conduct Authority (FCA), the FCA Register
Regulator or register declared on the firm's website, checkable with the FCA Register.
The regulator or register is checked with the FCA Register. A recommendation cannot be bought.
Why this firm: Establishment in East Ayrshire (Bank Chambers, 42 Bank St, Kilmarnock KA1 1HA), company incorporated on 15 September 2016 according to Companies House (10 years), regulator or register declared on its website, checkable with the FCA Register, Google rating of 5/5 from 177 reviews. On the public grid, Monarch Financial Services Ltd scores 71/100: the firm Payotte selects as mortgage adviser in East Ayrshire.
Google reviews: 5 out of 5, 177 reviews. Rating and number recorded on 19 Oct 2026. Payotte does not check these reviews.
Why 71/100, and not 100?
The points below are not deducted: they are not yet awarded, for lack of a public source to check them. Payotte neither estimates nor invents any data.
- Local anchoring in East Ayrshire incomplete. The establishment in East Ayrshire is counted (8 points). Missing: pages of the firm's website about East Ayrshire, the number of deals completed in East Ayrshire in the last twelve months, the firm's working languages or speciality. A figure such as the number of deals completed in an area only exists at the firm.
- No checkable distinction found (award, press mention, publication, association). Absence of evidence is not evidence of absence.
- Regulator stated without an identifier. The firm's website names the FCA Register, without a number you can check yourself.
Frequently asked questions
Which firm does Payotte select as mortgage adviser in East Ayrshire?
Payotte selects Monarch Financial Services Ltd as mortgage adviser in East Ayrshire, with a score of 71/100 (selected · regulator declared).
Do I need an adviser to get a mortgage?
Nothing we read says so. You can approach lenders directly, and an adviser is a choice. Compare the cost against what you gain.
Is the rule the same in Scotland, Wales and Northern Ireland?
The FCA's pages we read speak of the UK as a whole and do not distinguish the four nations.
How does Payotte choose this firm?
Payotte selects a single firm per trade and per area, scored out of 100 points from public data. The public grid has five criteria: Google reviews (35 points), age of the company (30), checkable regulator or register (15), local anchoring (15) and bonus (5). Companies only, never individuals.
Can a firm pay to be ranked?
No. The ranking is never paid for. No firm can buy its place or its recommendation. Payotte is free, with no advertising and no commission.
How can I check this firm's regulator?
The regulator or register is declared on the firm's website; Payotte does not read the register on your behalf. Check it with the official body: Financial Conduct Authority (FCA), the FCA Register. The company number SC545540 can be checked at Companies House.
What does the score of 71/100 mean?
It is an editorial assessment by Payotte, not an official label. A score of at least 70/100 corresponds to a selected listing.
Do you run this firm? Correct or complete your listing.
The score is public, criterion by criterion. Up to 15 points are not yet awarded, for lack of a public source. We need, from the firm:
- up to 7 pts — the local anchoring in East Ayrshire: pages of the firm's website about East Ayrshire, the number of deals completed in East Ayrshire in the last twelve months, the firm's working languages or speciality
- up to 5 pts — a checkable distinction of the firm: award, press mention, publication, professional association
- up to 3 pts — the registration or membership number shown on the firm's website, which the reader can check with the FCA Register
Correct or complete the listing or write to us directly
Why this listing?
This listing describes a company, not a person. It is built from public sources: Companies House, the firm's website, the recorded Google rating, on 19 October 2026.
The score /100 is an editorial assessment by Payotte, not an official label. It follows a public method, applied the same way to all. The ranking is never paid for. No firm can buy its place or its recommendation.
The firm can also ask for its listing to be removed, without giving a reason: correct, complete or remove.
Sources and how to check
Payotte only publishes data you can check. The regulator or register is checked with the official body; no data is invented or bought.
- Companies House, company number SC545540 ↗
- Where to check the regulator or register — Financial Conduct Authority (FCA), the FCA Register ↗
- Firm's website (monfs.com), recorded on 19 October 2026 ↗
- Google profile of the establishment: rating and number of reviews recorded on 19 October 2026